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Amelia Josephson

Mortgage, Home Buying and Credit Card Expert

Amelia Josephson is a writer passionate about covering financial literacy topics. Her areas of expertise include retirement and home buying. Amelia's work has appeared across the web, including on AOL, CBS News and The Simple Dollar. She holds degrees from Columbia and Oxford. Originally from Alaska, Amelia now calls Brooklyn home.

Posts by Amelia Josephson:

by Amelia Josephson Feb 18, 2020

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer. Advertiser Disclosure: The card offers that appear on this site are from companies from which receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). does not include all card companies or all card offers available in the marketplace. Is credit card debt hanging over your head? You may be able to save money by transferring the balance on one card to a new card with a lower interest rate. If you’re lucky, that new, lower interest rate could be 0%. Let’s take a look at how you can save money with a 0% balance transfer.  Read more

by Amelia Josephson Mar 31, 2017

Houston, Texas is a fast-growing city. In fact, it may soon eclipse Chicago as the third-largest city in the country. But is Houston a good place to raise a family? Here’s a look at some factors parents might be interested in when deciding whether to raise a family in Houston.  Read more

by Amelia Josephson Mar 09, 2020

Based on the most recent U.S. Census Bureau data, the average salary for a millennial is $47,034 a year, or $905 a week. If you fit into this generation, it probably won’t shock you to learn that the average salary of a millennial today is an estimated 20% lower, in real terms, than the average salary that a baby boomer had at the same age. What’s more, today’s millennials are in deeper debt than their parents were at their age. A financial advisor can be a great resource for millennials looking to put together a financial plan. Read more

by Amelia Josephson Oct 19, 2020

An initial public offering, or IPO, is when a private company first takes its stock shares public. IPO investing can be risky, as the company’s shares have yet to perform on the open market. On the… Read more

by Amelia Josephson Jun 25, 2018

If you want to buy a new home you may be wondering how you’ll juggle selling your current home with taking out a mortgage on your new home. One option for homebuyers in this situation is to take out… Read more

by Amelia Josephson Jul 05, 2018

Have you heard the term “redlining”? It’s a term that refers to the practice of cutting certain neighborhoods – and aspiring homebuyers – off from mortgage lending opportunities. Let’s take a closer… Read more

by Amelia Josephson May 15, 2018

We all know that it’s hard to become a high-earner in this country without a college degree. This can make it hard to save for retirement or meet other financial goals. Access to the middle class is… Read more

by Amelia Josephson Feb 28, 2017

If you’re thinking of moving to Chicago, you might be wondering whether it’s a good place to raise a family. To help you answer that question, let’s take a look at some of the features of family life… Read more

by Amelia Josephson Aug 21, 2019

Credit cards can be a useful tool for managing your finances and accruing rewards. If you have credit card debt, you may be wondering whether a balance transfer could help you cut down on the… Read more

by Amelia Josephson Feb 24, 2017

You may have heard talk of “block granting” Medicaid in the news or in House Majority Leader Paul Ryan’s outline for a replacement to the Affordable Care Act. What exactly does “block granting” mean… Read more

by Amelia Josephson Feb 23, 2017

Houston boasts a diverse population and a lower cost of living than many other large U.S. cities. People are flocking to the Texas city. The U.S. Census Bureau found that Greater Houston experienced… Read more

by Amelia Josephson Dec 15, 2020

How are you doing, earnings-wise, compared to other people the same age? Of course, the answer largely depends on where you live and what you do. But knowing the median salary of people the same age… Read more

by Amelia Josephson Feb 22, 2017

There’s a lot of uncertainty surrounding the future of the individual health insurance marketplace. One of the plans for replacing the Affordable Care Act is establishing high-risk pools for health… Read more

by Amelia Josephson Nov 08, 2017

Most Americans receive their earnings via direct deposit to a checking account, or a paper check. Some, though, get paid via payroll cards. These cards function like pre-loaded debit cards and can be… Read more

by Amelia Josephson Dec 08, 2017

Raising a family in this country isn’t cheap. According to the USDA, the average cost to raise a child is $233,610. That includes food, shelter and other necessities. It doesn’t include the cost of… Read more

by Amelia Josephson Aug 08, 2019

Low interest mortgage rates can’t last forever, can they? If you’ve taken out a mortgage or refinanced a mortgage recently, you may have done so because you anticipated that rates would rise. Are… Read more

by Amelia Josephson Dec 08, 2017

Chicago is the third-largest city in the U.S., with a diverse population and a diverse economy to match. Financial services, engineering and publishing are some of the biggest industries in the Windy… Read more

by Amelia Josephson Feb 16, 2017

If the Affordable Care Act (ACA) is repealed, we could return to a world in which health insurance companies can deny applicants coverage or charge higher premiums if applicants have pre-existing… Read more

by Amelia Josephson Jul 09, 2019

The median pay for a flight attendant was $56,000 in 2018, according to the latest data by the Bureau of Labor Statistics (BLS). That figure climbs above the national average. You’d likely need just… Read more

by Amelia Josephson Jul 05, 2018

Thinking about moving to Los Angeles for the beautiful weather, diverse population and access to California’s natural beauty? Well, unless you’re retired, a student or independently wealthy you’ll… Read more

by Amelia Josephson Feb 08, 2017

Just before the end of the Obama administration, outgoing Secretary of Housing and Urban Development (HUD) Julian Castro announced that the Federal Housing Administration (FHA), would be lowering… Read more

by Amelia Josephson Oct 08, 2020

The average police officer salary is higher than you might expect. The median annual salary of a police officer is $65,400. Being a police officer comes with risks, but it can also be a financially… Read more

by Amelia Josephson Oct 17, 2017

Think a credit card is only good for building up your credit score and helping you borrow money when times are tight? Think again. Credit cards these days come with more rewards and perks than many… Read more

by Amelia Josephson Aug 21, 2019

Life insurance is an important part of financial planning. It becomes increasingly important as people get older and begin to think about ensuring the care of their family after they die. However,… Read more

by Amelia Josephson Jun 19, 2018

Thinking about working in New York? There are some features of work life in the Big Apple that set it apart from the work culture in other cities. Is it true that if you can make it there you can… Read more